Search found 43 matches

Return to advanced search

Re: Zegna Suits

You should cross post on styleforum.net. A lot of very knowledgeable people there. I think with a $4.5K budget they will even steer you away from Zegna and towards custom or higher end brands. I have Zegna, Canali, etc. in my closet, but prefer Benjamin suits, which are canvassed with the same fini...
by wearymicrobe
Tue Aug 26, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 9489

Re: Is the first million really the hardest?

The first $500K is the hardest according to previous discussions :) http://www.bogleheads.org/forum/viewtopic.php?t=77682&postdays=0&postorder=asc&start=0 I am going to agree with this. I crossed 500K about 4 years ago, 33 now, and two comma late this year provided I keep up the savings...
by wearymicrobe
Thu Jun 12, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7852

Re: Bubble watch: automobile loans

Dave Ramsey mentioned on his radio show the other day that 80% of car loans are sub prime , and interest rates in the 20's . Why would anyone pay 20% on a car loan . I am still more worried about the SL . The interest rates on the loans are shooting way up , so is tuition . When I was in school the...
by wearymicrobe
Tue Jun 10, 2014 11:32 am
 
Forum: Investing - Theory, News & General
Topic: Bubble watch: automobile loans
Replies: 17
Views: 1984

Re: Electronic sheet music

Thanks for the replies. I'll check out the software. My friend doesn't need notes, just lyrics and chord changes. So simple PDF files may be the best option. Any recommendations for a music stand that will securely hold a tablet? Also, I wonder what the best android app is for quickly finding PDFs ...
by wearymicrobe
Thu Apr 24, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Electronic sheet music
Replies: 9
Views: 862

Re: Electronic sheet music

I use a Ipad and just display the sheet in PDF form. Works just fine for me, there are apps out there that will add a pedal for page switching or that flip automatically based on time or chord change. Question to wearymicrobe: after you convert the lead sheets to pdf form, how do you display them o...
by wearymicrobe
Tue Apr 22, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Electronic sheet music
Replies: 9
Views: 862

Re: Electronic sheet music

I use a Ipad and just display the sheet in PDF form. Works just fine for me, there are apps out there that will add a pedal for page switching or that flip automatically based on time or chord change.
by wearymicrobe
Mon Apr 21, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Electronic sheet music
Replies: 9
Views: 862

Re: Expensive hobbies and possessions? (B/c you can...)

I collect and play 'ukulele. Have three vintage Martins, vintage Kamaka pineapple, and a vintage Kumalae. Even have a 1950's plastic Maccaferri 'uke. Same here though I had serious UAS "ukulele Acquisition Sickness" for a while and have some really high dollars custom ones for when I gig....
by wearymicrobe
Thu Apr 10, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 14282

Re: Expensive med. test not covered by insurance

As is typical in the U.S. medical system, you are being gouged. As indicated in this article, http://www.nytimes.com/2013/05/21/opinion/the-outrageous-cost-of-a-gene-test.html the true cost of genetic testing is about a nickel a gene. They could sequence all 20,000 of your genes for about $1000. Bu...
by wearymicrobe
Wed Apr 09, 2014 2:21 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 5026

Chase Refi taking longer then rate hold.

OK I know that if I post this they will call me but... Is anybody else having trouble with Chase on Mortgage products lately. We are doing a simple Refi 50% LTV with a little over 100K extra down at time of close, 10% back end ratio. I am getting the complete run around. We locked a 30 day rate ~51 ...
by wearymicrobe
Tue Apr 08, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Chase Refi taking longer then rate hold.
Replies: 0
Views: 226

Re: Best Stereo Headphones under $100

Any grado, though admittedly I am a fanboy and I spend 10+ hours a day with my RS-1's or SR-325's.

If you really need to be under 100 you can occasionally find SR125i's at that price point.
by wearymicrobe
Mon Feb 24, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 1828

Re: What's the Appropriate Net Worth by % for a 27 year old?

I am 29.5, and my net worth is right around 300k (taxable + Roth IRA + 401(k) + cash). I think that's about average for someone with a college education... I think this is extremely generous for an average "someone" with a college education at 29.5. Given that the true net worth of someon...
by wearymicrobe
Thu Feb 20, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 9440

Do you have a personal devils advocate.

This is something that has been rattling around in my head for at least a year. Who do you go to when you need to have a one on one financial argument. My father has been my go to guy but with his retirement pending every argument is influenced by that and he is loosing his edge. He was war house in...
by wearymicrobe
Fri Feb 07, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a personal devils advocate.
Replies: 17
Views: 1449

Re: Buying the most expensive house you can afford

As my wife and I have been going through all sorts of trouble finding a new home. Our issue is that there are no smaller, extremely well built homes for sale anywhere. Unless we remodel again which is not going to happen. IE the bigger the size the better the construction at least in the 1-1.2 milli...
by wearymicrobe
Tue Feb 04, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying the most expensive house you can afford
Replies: 101
Views: 9084

Re: Gopher Madness

Serious response here. When I catch one in a trap I chop them up with the axe and bury the pieces near the edges of my property as a warning to the others. They got the picture very quickly, they can smell the dead ones and abandon the tunnels. I have stupid gophers though and they pop up when I am ...
by wearymicrobe
Thu Jan 30, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3291

Re: Cost Analysis: Living in CA vs the South

As someone who is contemplating moving from San Diego to Indiana in the near future your numbers have to be off. For the same exact square footage I go from 789,000 to 109,000 in mortgage. Gas and food is cheaper. The state income taxes are less, the vehicle taxes are less. Everything seems to be le...
by wearymicrobe
Thu Jan 30, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5968

Re: Audiophiles: Worth upgrades to improve itune sound?

Thanks for the info. Will you hear improvement with a DAC/Amplifier if most of your music is mp4 files or do you need higher def files? Roosevelt. More then likely yes. But then your headphones become the limiting factor. uncompressed files, through a good tube/dac/banalanced amp into a good set of...
by wearymicrobe
Wed Jan 15, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1624

Re: Any Car Enthusiasts?

I've never been a car guy, always practical and cheap. Having said that, I test drove a Tesla Model S last week, my next car will be a Tesla, and am considering deposit for the X. When I get one I will talk trash to you fossil burners You can have both, I have a fire shooting hot rod, and a Prius. ...
by wearymicrobe
Tue Jan 14, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 3198

Re: Any Car Enthusiasts?

Darn I was going to ask you how you liked your Gen V viper. I just sold my gen III coupe that I used for DE events. I keep waffling between a TA SRT viper or spending the extra cash and maybe getting a v10 R8 in the next month or so. http://i865.photobucket.com/albums/ab211/wearymicrobe/WP_20130504_...
by wearymicrobe
Fri Jan 10, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 3198

Re: Any Car Enthusiasts?

78 cars in the last 15 years. From Dodge vipers and a few Ferrari's down to Miata's. I always bought them well and sold them for more then I paid so basically a cash generating hobby. Actually paid part of the down payment on my home from flipping cars. I have nothing but a old hotrod right now but ...
by wearymicrobe
Thu Jan 09, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 3198

Re: About to Buy a 2014 Subaru Forester

The only thing that kept me from buying a Forester instead of a Honda or Toyota is the lower mpg of Subaru's. They've gotten better (all Subaru models used to be horribly fuel inefficient), and AWD is an understandable trade off for those who live in regions where it's often necessary. Very nice ca...
by wearymicrobe
Mon Jan 06, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: About to Buy a 2014 Subaru Forester
Replies: 51
Views: 6388

Re: Buying a new car vs leasing

Most cars today should make it to ~150k, if it ain't broke don't fix it. New car dealers only make money when they sell cars...hence the sales pressure. Been leasing for about 12 years and have no major complaints but then again I am not a numbers cruncher, just go with the flow. 8-) That is actual...
by wearymicrobe
Tue Dec 17, 2013 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new car vs leasing
Replies: 61
Views: 6085

Re: buying car from dealership not close to your house?

Man I once went ~1500 miles to get a new car in the color and options that I wanted as it was a leftover form the year before. ~7K or so off the best pricing I had seen anywhere locally. 1K in transport costs. No dealership cares where you buy a car, they all get paid the same hourly on warranty wor...
by wearymicrobe
Fri Dec 13, 2013 4:27 pm
 
Forum: Personal Consumer Issues
Topic: buying car from dealership not close to your house?
Replies: 39
Views: 2466

Re: Not Planning To Retire?

I' am 62 and I plan to work until I am physically or mentally unable. Into my 70's, 80's 90's, (or longer!) I don't care. I work for myself and have since I was 23, I so enjoy what I do that I want to do it for as long as possible. It isn't about money, I could easily retire today but I don't want ...
by wearymicrobe
Mon Nov 25, 2013 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not Planning To Retire?
Replies: 51
Views: 3595

Re: FireCalc with Income.

The main page (where you enter portfolio, years, and expenses) has a bunch of tabs across the top. Click those to explore what firecalc can do. The "not retired?" tab is up there. +1 Found it. Unfortunately it does not let you start with a value and add every year. Which would make it per...
by wearymicrobe
Wed Nov 20, 2013 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: FireCalc with Income.
Replies: 8
Views: 714

Re: FireCalc with Income.

http://firecalc.com/index.php?wdamt=50000&PortValue=300000&term=30&ss1=0&ssy1=2026&ss2=0&ssy2=2028&signwd1=%2B&chwd1=0&chyr1=2016&wd1infl=adj&signwd2=%2B&chwd2=0&chyr2=2018&wd2infl=adj&signwd3=%2B&chwd3=0&chyr3=2022&wd3infl=adj...
by wearymicrobe
Wed Nov 20, 2013 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: FireCalc with Income.
Replies: 8
Views: 714

FireCalc with Income.

Guys thought you might know of this. I was wondering if there is a firecalc like simulator that is not just after retirement and living off investment income. IE 32 year old starting at 250-300K balance, with say a number from 50-100K coming into the account every year so that I could see what a rea...
by wearymicrobe
Wed Nov 20, 2013 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: FireCalc with Income.
Replies: 8
Views: 714

Re: Relatives Who Really Need Money Advice But Don't Get It.

You can lead a horse to water....... "and not make it drink" But you can if you duct tape a straw in its mouth and push it in the lake. Still accomplish the same thing. Most people who are asking are not even maxing out 401K's or doing anything proactive so short of a life reboot they are...
by wearymicrobe
Thu Oct 24, 2013 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relatives Who Really Need Money Advice But Don't Get It.
Replies: 56
Views: 7106

Re: Nothing but a mortgage. Now What?

do you backdoor ROTH IRA? HSA? I bond? EE bond? Look at all the tax-advantaged options one has: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=109284 What's all the cash for (ie, why not invested)? Cash was because I sold off one of my classic cars and option paralysis. We were not sure w...
by wearymicrobe
Fri Sep 13, 2013 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nothing but a mortgage. Now What?
Replies: 8
Views: 1362

Nothing but a mortgage. Now What?

Been reading the board for quite some time now. We were pretty focused on paying down all debt and getting our decks in a row. Now that we have done that all the cash has kind of been stacking up in our checking account. We both max out our 401K's and we make ~225K a year combined so over the IRA li...
by wearymicrobe
Fri Sep 13, 2013 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nothing but a mortgage. Now What?
Replies: 8
Views: 1362

Re: What age did you reach 100K networth?

19 year 6 month in 2001. Very clearly remember the day as it was when the company I was working for at the time was acquired by a very large multinational. I had so may stock options at 1.14$ due to them having no cash when I got hired they just gave me stock. Stock was worth ~78.52 when it was sold...
by wearymicrobe
Tue Jun 25, 2013 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 34554

Re: How do things look to you young investors these days?

More pessimistic then ever. To much money in the market chasing to few returns made everything a race for the bottom it seems. There just is not enough reliable safe investments that will beat inflation let alone earn 2-4% for the baby boomers. But they have the bulk cash so they have access to stuf...
by wearymicrobe
Wed Feb 13, 2013 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 7044

Re: Robotic gold mining device...approach as hobby or busine

Also travel and operation expenses as you beta are going to be a major cash drain. Likely much more then you have in the prototype. Plus being in a unforgiving place you will not have access to your mill so a second unit is not a bad idea to recoup travel/time expenses. ROV's already exist for come...
by wearymicrobe
Fri Jan 04, 2013 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Robotic gold mining device...approach as hobby or business?
Replies: 16
Views: 1146

Re: Robotic gold mining device...approach as hobby or busine

I spent 15 years living and working in Alaska and knew a number of small scale placer gold miners. Without exception none of them ended up making any money. A couple found enough gold to pay some expenses and one managed to turn his meager finds into a jewelry business that he ran out of the back o...
by wearymicrobe
Fri Jan 04, 2013 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Robotic gold mining device...approach as hobby or business?
Replies: 16
Views: 1146

Re: Home appraisal came in super low, worth it to pay down?

No, right after losing $400 on the appraisal fee I didn't want to risk it again. Recently I have been giving some thought to trying a new lender. The whole process feels like rolling the dice. Very frustrating. I was in the same boat but with B of A. My 669-689K house by realtor and non solicited o...
by wearymicrobe
Thu Nov 22, 2012 1:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Home appraisal came in super low, worth it to pay down?
Replies: 41
Views: 3236

Re: [California] retroactive tax increases

Does the 3/4% apply to things I have already paid taxes on. Like my car's. Where would these be applied if so.
by wearymicrobe
Tue Nov 13, 2012 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: [California] retroactive tax increases
Replies: 45
Views: 5204

Re: Contract Chicken Growing

I cannot stress this enough. The company supplies the birds AND feed. Your inputs are the utilities/labor and that is all. My only concern about the profit margin of the company is whether or not they stay viable enough to make good on their contract with me. Well, and the possibility of reducing f...
by wearymicrobe
Wed Nov 07, 2012 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contract Chicken Growing
Replies: 51
Views: 3121

Re: Contract Chicken Growing

OK I have way to many family members in food to ever recommend doing something like this. Tyson and others have started moving away from a vertically integrated system because they; as a large multinational company cannot use there leverage to bring the cost down to a constantly profitable arrangeme...
by wearymicrobe
Wed Nov 07, 2012 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contract Chicken Growing
Replies: 51
Views: 3121

Re: Percent of gross income on hobbies

I see it in a different way. Are you invested at a % rate you feel comfortable at. Do you have proper emergency fund. Is your net worth where you want it to be. After that who cares what you spend. My car hobby runs about 5-10% of after tax after investment cash. I rationalize it by saving that my c...
by wearymicrobe
Sun Oct 07, 2012 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Percent of gross income on hobbies
Replies: 17
Views: 1870

Re: Bogle mortgage guidelines

With your income: you can buy anything under 7 figures (assuming you put down 20%) and be totally fine. Not that I would suggest that (unless you live in NYC or San Francisco, then you may have to) but you could. If you live anywhere besides these 2 cities your in a position to basically pick your ...
by wearymicrobe
Mon Sep 10, 2012 11:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogle mortgage guidelines
Replies: 9
Views: 2245

Re: Bogle mortgage guidelines

Here's a good site if you want to plug in some numbers: Housing Affordability Calculator (5a) That works pretty well, I can set the ratio at 25% and plug away. The number it feeds back is ~400K less then what I was approved for but much more comfortable for me and more in line with what I was expec...
by wearymicrobe
Sun Sep 09, 2012 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogle mortgage guidelines
Replies: 9
Views: 2245

Re: Bogle mortgage guidelines

What's your question? What are you trying to decide? Are you trying to buy or sell a house? Based on your question you are saving $47K per year, and have $163K per year of free cash flow that you are not saving, and a net worth of ~$550K. The standard Boglehead recommendation would be to bank as mu...
by wearymicrobe
Sun Sep 09, 2012 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogle mortgage guidelines
Replies: 9
Views: 2245

Bogle mortgage guidelines

I have been digging through the wiki and have not seen any sort of guidelines for mortgage limits or "rules" for figuring out how much to spend on a house. Based on age, income, zip code that sort of thing. The reason I am asking is I got a very nice unsolicited offer on the house I am in ...
by wearymicrobe
Sat Sep 08, 2012 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogle mortgage guidelines
Replies: 9
Views: 2245

Re: When can one determine if they can afford toys?

OK I read here quite a bit, but have never posted, mainly looking at investment strategies. Buy the car if, A. You can pay cash (Don't pay interest) B. You buy the car right and can sell it for 90% of what you paid for at the drop of a hat. (Buy below market) C. Can eat the maintenance and insurance...
by wearymicrobe
Sun Aug 19, 2012 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: When can one determine if they can afford toys?
Replies: 40
Views: 6123

Return to advanced search